State Farm® Insurance Agent Chip Ott

"I have been with State Farm and this same office (insured my very first car) for over 25 years. They now take care of all my insurance needs. Great customer service and caring staff. A few people have come and gone from there over the years but Liz D is a constant and is the best - friendly professional, knowledgeable, and frankly, the legacy staff in the office feel like family. Keep up the good work!!"

"Thank you Alana and Chip for your amazing help and service!!"

"Been a State Farm customer for many years with Chip Ott's office. Always pleased with the staff"s service, timeliness and knowledge, from my claims experience to my premium reviews. Highly recommend."

"Had for over 10 years, never had a problem until I actually needed their services. A few things 1. They incorrectly applied the wrong trim of my vehicle to my policy, when I asked them to update it so that the vehicle value reflected the actual VIN/trim of car, it was a lowball offer that was over 10k less than the actual going market value of the car. Took it off and went with another insurer that valued it correctly. 2. After an accident, that State Farm themselves said I was 100% not at fault for, they raised my rates, and when asked why, they could not answer and instead provided a computer generated rate sheet with vague line items like “policy change” and “rate change” that was already reflected on a prior declarations sheet. Even after telling them I want one of my cars off the policy and sending a declaration email, it’s still on my policy and I’ve had to switch agents to get it off. 3. I purchased a new car from a dealer and gave them all my correct insurance information and I was provided a temporary insurance issuance. After 3 weeks, I noticed State Farm never sent a new ID to me or updated my profile. I gave them a call and they had no clue I bought a new car, saying that they had no calls or contact from the dealership. I know for a fact that the dealership would not let me leave the lot without verifying insurance, and with their prior mistakes, I’m inclined to believe State Farm dropped the ball with their internal communications or tasks. They blamed the dealership as expected, and I guess I won’t have any concrete evidence but terrible customer service nonetheless. Avoiding this agency is my recommendation. I never once talked to an actual agent, just representatives who are more paper pushers than anything. As soon as I needed their help it was like pulling teeth. They just want to take your money and send you mail every 6 months. I expect an insurance agency to be able to do simple tasks expected of them for the thousands of dollars I’ve spent over the years. TLDR: Try another insurance company or at least another State Farm local agency. Edit: 1: There was no claim. I noticed the trim of the vehicle was incorrect and I called to correct it. VIN was provided. Rep gave me the new vehicle value - which was still much too low. 2: I was provided a declarations page with my 6 month premium when I added the new vehicle - which had it at 61 a month. Come time for my bill and the total is 89 - 27 and some change more than what I was told I would pay. I asked why but was given the vague answer of “rate change”. I expect to pay the price that I’m given, and not some other higher number that can’t be explained succinctly. 3: The “newly acquired car” policy was not explained to me. If this was in-fact enabled, then wouldn’t your agency be aware of the new car purchase? I have never purchased a car at a dealer in which they don’t notify insurance. Even so, the car was registered to me at the time - which are public records that you have access to. You replied to this review within a few days, but apparently had no clue I purchased a car? The very least your agency can do is call me to confirm or explain. I’m operating under the assumption that an insurance agency can accurately provide me with insurance. Maybe that’s a bit too far fetched these days."

"The office has been very responsive to updating policies."

"My wife and I have been clients of Chip Ott's State Farm Agency since 1970. We have been so satisfied with their service and expertise, Chip and his staff handle all our insurance needs, including home owners, automobile, jewelry and umbrella coverage. Every member of the Chip Ott team is friendly, responsive and knowledgable. Generally, all my need are handles with one phone hall. I would recommended Chip to anyone with an insurance need."

"Alana was super helpful and handled my transfer so quickly and with ease- thank you!"

"Alana did a great job helping me save on my policy while keeping my coverages the same. So, I switched from my previous insurance provider to this agency. Highly recommend the Chip Ott Agency to anyone looking for coverage!"

"Donna from the Chip Ott Agency was exceptional at helping escalate our claim and getting it resolved. Great customer service and knew exactly what to do to get things done with compassion and professionalism. I highly recommend the Chip Ott Agency and Donna for any Insurance needs."

"I had an excellent experience working with Donna. She was extremely helpful, professional, and quick to respond to all my questions and concerns. Her assistance made the process so much easier, and I truly appreciated her efficiency and kindness throughout. Highly recommend her for her outstanding service!"

"I had a great and helpful conversation with Donna Naraine to manage new billing for my homeowners insurance. Thank you!"

"I had a lovely conversation with Personal Acct Rep, Donna Naraine, and she efficiently helped me renew my mother's renter's insurance policy for 2025."

"Great service - fast efficient and courteous"

"Great local agent. I always get a quick response from someone who knows our account. Highly recommended."

"Great team, very responsive and reliable. Highly recommend if you are in the market for insurance and considering State Farm, do reach out to these guys. Amanda, Donna and Elizabeth are great!"

"Donna was awesome this morning when I called to set up insurance for a new car purchase. She provided suggestions, knew exactly what I needed and provided the information in a very timely manner. Thank you Donna!!"

"I called my State farm Ins agent, Chip Ott on Main Street Chatham, this morning, Friday, for a COI for a rental apt. The call was answered by Donna in the first ring and she asked I provide the rental address and address of party requesting the COI. I responded with the info at 116 Pm and I found her email with the COI at 136pm. Impressed at the efficiency, I would highly recommend you speak to them when you are looking for any insurance product."

"Always a pleasure working with Chip and the team! Donna and Alana are awesome; always helpful, professional and responsive!"

"Alana, Lisa, and Team at the Ott Agency in Chatham, NJ are fantastic. I had a significant problem relating to an accident that no one could figure out and fix, until Alana and Lisa took it on with a tenacity I rarely see. Great job. Great Team. Great service. Thank you!"

"This past week I needed to complete paperwork and make changes to my account so I could purchase a new car. I had the great fortune of dealing with Donna N. on the phone. She was polite, professional, helpful, and did everything she said she would do in a very timely manner. This was by far the best interaction I have had with this agency. In fact, I had been planning to seek other insurance, since some prior contacts there had felt less than helpful or friendly. But recent interactions with Donna have restored my faith in State Farm and the Chip Ott Agency, so I have decided to stay."

"I had the pleasure today of talking with Donna Naraine about a question I had on my auto insurance. She explained my options clearly and sent me a quote on another possibility. Her professionalism was greatly appreciated. Cassandra DiMarco"

"Donna Naraine was amazing."

"I’ve been a client with Chip Ott’s office for many years and have had nothing but positive interactions with him and his team. Alana, in particular, has helped on some recent matters expeditiously, professionally , and is always friendly."

"Great pace and expertise with Alana Calafiore at the Chip Ott agency. Very responsive, quick to understand the value of the coverages provided and made our move and thus coverage transition from TX to NJ with no problems at all. Really appreciate her human touch in an industry that is evolving to very automated..."

"I've been a policy holder with this office for over three decades. The service has always been courteous and helpful. Donna was especially helpful with the family auto policy. I'll be keeping them for my insurance needs."